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Bank of Kampsville

Kampsville, IL

Bank of Kampsville processed 29 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 24 loans with a 6.9% denial rate. Home Purchase was the primary loan purpose. Based in Kampsville, IL. The approval rate of 82.8% reflects originated loans as a share of all applications.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% - HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. Bank of Kampsville's 82.8% origination rate tells you how often an application turned into funded money; the 6.9% denial rate is a separate read on underwriting strictness. Most activity concentrated in Conventional loans (29 applications).

How to read this page. These figures are aggregate HMDA disclosures, they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting, it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

29
Applications
24
Originated
6.9%
Denial Rate
$109,828
Avg Loan Amount

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 29 24 2 $109,828

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2024 LAR, application-level mortgage data for Bank of Kampsville (LEI: 254900PJUWNEQ2VZTG49) · 2024 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 18 15 $110,556
Cash-out Refinancing 6 5 $126,667
Refinancing 4 3 $87,500
Other 1 1 $85,000

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White * 28 85.7% 3.6%
Joint * 1 0.0% 100.0%

* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino * 28 85.7% 3.6%
Joint * 1 0.0% 100.0%

* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.

Nearby Lenders in IL

Other HMDA-reporting lenders in IL with similar activity. Compare any two side-by-side.

Guaranteed Rate, INC.

CHICAGO, IL

124,492 apps 62,820 originated 5.1% denied

BMO Harris Bank NA

Chicago, IL

42,165 apps 18,166 originated 29.4% denied

Mutual of Omaha Mortgage

Lombard, IL

34,393 apps 19,951 originated 20.2% denied

Guaranteed Rate Affinity, LLC

CHICAGO, IL

21,826 apps 14,587 originated 6.0% denied

The Federal Savings Bank

CHICAGO, IL

20,656 apps 8,146 originated 9.3% denied
Compare Bank of Kampsville vs Guaranteed Rate, INC. →

Mortgage Lending Guides

Frequently Asked Questions

How many mortgage applications did Bank of Kampsville process?
Bank of Kampsville processed 29 mortgage applications in the 2024 HMDA reporting year. Of these, 24 were originated (approved and funded), 3 were withdrawn by the applicant, and 2 were denied.
What is Bank of Kampsville's mortgage approval rate?
Bank of Kampsville has an approval (origination) rate of 82.8%, meaning 82.8% of all applications resulted in a funded mortgage. The denial rate is 6.9%.
What is the average loan amount at Bank of Kampsville?
The average mortgage loan amount at Bank of Kampsville is $109,828.
What types of mortgage loans does Bank of Kampsville offer?
Bank of Kampsville processes Conventional loans. The most common type is Conventional with 29 applications and an average loan amount of $109,828.
What loan purposes does Bank of Kampsville serve?
Bank of Kampsville serves the following loan purposes: Home Purchase (18 applications), Cash-out Refinancing (6 applications), Refinancing (4 applications), Other (1 applications). Home Purchase is the most common purpose.
Where is Bank of Kampsville located?
Bank of Kampsville is headquartered in Kampsville, IL. The lender is identified by LEI 254900PJUWNEQ2VZTG49 in HMDA data.
How does Bank of Kampsville compare in lending across racial demographics?
Bank of Kampsville reports demographic lending data under HMDA requirements. White applicants have an approval rate of 85.7% and denial rate of 3.6%; Joint applicants have an approval rate of 0.0% and denial rate of 100.0%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.